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Pradhan Mantri Awas Yojana Gramin

Pradhan Mantri Awas Yojana – Gramin (PMAY-G) or Pradhan Mantri Gramin Awaas Yojana (PMGAY) is a communal welfare program initiated by the government of India with the intention to provide low cost housing to the people residing in the rural areas of the nation. This program is in harmony with the government’s initiative of providing ‘Housing for all’ by the year 2022.

The PMAY-G has altered the targets of houses to be constructed and has increased the total number to 1 crore homes by 2022. The revised targets for these states are represented below.

Home Loans Under PMGAY

Home loans obtained under PMGAY are eligible for a 3% concession on interest rates on housing loans of upto Rs.2 lakh. This loan can be availed for upgrading your existing home or for constructing a new home in rural areas.

Features of Pradhan Mantri Gramin Awas Yojana Scheme

Modern technology like information communication and space technology are being used to make sure the accurate selection of beneficiaries

PMGAY combines all of the following schemes together – Aadhaar platform, Skill India and Jan Dhan Yojana, and Make in India. Besides this, the government is also planning to deploy MGNREGA scheme to train and allocate labour

The Swachh Bharat and MGNREGA amongst other institutions funded totilets for the PMGAY scheme

PMAY-G beneficiaries are entitled to get 90 days of wage employment in districts under integrated action plan (IAP)

Drinking water will be supplied to houses under the PMAY-G scheme by the National Rural Drinking Water program (NRDWP)

Clean and efficient cooking fuel will be provided to the beneficiaries of PMAY-G

Solid and liquid wastes of the households under the PMAY-G scheme will be managed

Several amenities such as bio-fenced steps, paved pathways, road, etc. will be provided to the beneficiaries of the PMAY-G housing

1 crore pucca houses are to be constructed for the people of the rural areas in the next three years

Totally, 4 crore households will be constructed under the PMAY-G scheme by the year 2022

The estimated total expenditure of PMAY-G is Rs.60,000 crore

The size of each unit will be revised to 25 square meters. Earlier, the size of each unit stood at 20 square meters

The funds will be transferred electronically and directly to the beneficiaries

Eligibility Criteria for PMAY Gramin

Widows and next-of-kin to defence personnel/paramilitary forces killed in action (irrespective of their income criteria), ex-servicemen and retire Scheme

The family applying for a loan under this scheme must include a husband, wife and child/children that are unmarried

The family must not own a pucca house

The applicant and his family must fulfil the income criteria mandated by this scheme and has to belong to either the EWS (Economically Weaker Section), LIG (Lower Income Group), or BPL (Below Poverty Line) category

The income of the applicant’s family should be between Rs.3 lakh and Rs.6 lakh p.a.

Any loan amount above Rs.6 lakh, the interest rate on the additional amount will be as per market rate

Documents Required for Pradhan Mantri Awas Yojana Gramin

PMAY-G application form that is duly filed

Ethnic group certificate

Income proof

ID proof such as aadhaar card, PAN, Driving licence, Voter ID, etc.

Income certificate in case income is below taxable limit

Address proof

Salary certificate

6 months bank account statement

IT returns

Form 16

I.T assessment order

Letter on nature if business if applicant is involved in business

Financial statement in case of business

Plan of construction

Certificate claiming the cost of construction

Official valuer’s certificate

An affidavit stating the neither the applicant nor his family members own a pucca house

Receipt of any advance payment made to the builder

Construction contract with developer or builder

NOC from a housing society

Letter pointing out the allocation of property

Beneficiary List for PMAY-G

The beneficiaries under the PMAY-G scheme is selected by the government using a process that makes use of the Socio Economic Caste Census of 2011 (SECC). The process of selecting the beneficiaries is as follows:

Factors that will exclude Beneficiaries from PMAY Gramin Scheme

Candidates that have a mechanised three wheeler agricultural equipment

Candidates that have a mechanised four wheeler agricultural equipment

Candidates that have a Kisan Credit Card (KCC) with a limit greater or equal to Rs.50,000

Any household that has at least one member that is employed with the government

Any household that has at least one member earning more than Rs.10,000 a month

Any person that pays income tax

Any person that pays professional tax

Anyone that owns a refrigerator

Anyone that owns a landline phone connection

Factors that are Mandatory in Order to Become a Beneficiary for PMAY-G

The applicant’s family must consist of only of the beneficiary’s spouse, and unmarried children

The applicant’s family must not own a pucca house

A beneficiary must be residing in a particular state for a certain time period, depending on the state

The applicant and his family must fulfil the income criteria mandated by this scheme and has to belong to either the EWS (Economically Weaker Section), LIG (Lower Income Group), or BPL (Below Poverty Line) category

The income of the applicant’s family should be between Rs.3 lakh and Rs.6 lakh p.a.

Any loan amount above Rs.6 lakh, the interest rate on the additional amount will be as per market rate

How to Apply for PMAY Gramin

The government will select the beneficiaries of PMAY-G and the final list will be published. Any interested candidates can then approach the respective authorities and avail the benefits of PMAY-G.

To see if your name has been shortlisted, follow the steps mentioned below:

Login to the official PMAY site

Click on ‘Stakeholders’ in the option bar

Click on ‘Beneficiary’

Enter your name and click on ‘Search’

PMAY-G Home Loan Interest Subsidy Scheme

PMAY-G provided home loans at subsidised rates of interest for eligible applicants. These loans will be provided at 6% p.a. for an amount of up to Rs.6 lakh. Anything amount above that will be provided at an interest rate at market value.

PMAY-G Home Loan EMI Calculator

With the inclusion of technology in finance, it has made it easy to calculate the EMI of a loan. To access a PMAY-G home loan EMI calculator, just type in the basic details of the home loan and all the information requested will turn up on the site.

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News About Pradhan Mantri Awas Yojana Gramin

Centre directs Telangana to return the funds sanctioned under PMAY-G

According to reports, the Central government has directed the Telangana government to return over Rs.190 crore that was sanctioned by the Centre for the purpose of constructing houses for the poor in rural areas under the Pradhan Mantri Awas Yojana (PMAY). The decision was taken after the state declined to update the Centre the progress of the implementation of PMAY in the state. Telangana was allotted a target of over 70,074 houses in FY2016, during which the Centre had disbursed its share of Rs.190 crore. According to the Secretary of Rural Development, the state is yet to implement the transparent criteria of Pradhan Mantri Awas Yojana - Grameen for the allocation of houses to the rural poor and has refused to update the progress on AwaasSoft - an online website created for the purpose of updating the progress. While the completion of over 52 lakh houses across the nation under PMAY-G has been updated on the portal, Telangana has not only failed to update any progress so far, the state government also did not seek the second instalment of funds from the Centre for FY2016 until now.

23 October 2018

State and District level committees constituted for PMAY-G implementation in JK

The Governor administration of the Jammu and Kashmir has reportedly approved for the constitution of a District and State Level Committee for the application of Pradhan Mantri Awas Yojana - Gramin (PMAY-G) in the state. The committee will be headed by the Chief Secretary of Jammu and Kashmir. Other representatives of the group include the Administrative Secretary of the Public Health Engineering Department, Administrative Secretary of the Power Development Department, I&FC Department, Administrative Secretary of the Rural Development, Administrative Secretary of the Food, Civil Supplies and Consumer Affairs Department and the Panchayati Raj and any other technical experts or officers who can be chosen in times of requirement. The State Level Committee duty will be to make sure that a comprehensive Annual Action Plan (AAP) for the implementation of PMAY-G is prepared. This committee will also be serviced by the Panchayati Raj and the Rural Development Department and shall conduct meetings at least two times in a year to discuss the progress of the implementation.

22 October 2018

PMAY-G faces shortage of funds from Centre

Though the Orissa government has been using all the resources available at disposal to ensure the construction of pucca houses in rural area under the Pradhan Mantri Awas Yojana-Gramin (PMAY-G) by 2019, the state government is being burned with the Centre not providing its share of the funds for the completion of the ambitious scheme. The Panchayati Raj department stated that the Centre is yet to disburse a single rupee to the state government despite having set a target of 2.56 lakh constructed houses under PMAY-G in 2018-2019. The Centre would be bearing 60% of the total cost while the state would be contributing to the remaining 40% for the houses constructed under PMAY-G as per guidelines. Sources claim that the Ministry of Rural Development hasn’t responded though the state government has raised the issue several times.

22 August 2018

Government targeting 1 crore completed PMAY-G houses by March 2019

The government of India has set a target to construct 1 crore pucca house under the rural housing scheme Pradhan Mantri Awas Yojana - Gramin (PMAY-G) by 31 March 2019 and completed project of around 1.7 crore house from 2014 to 2018. Around 2.95 crore houses are on the track to be constructed and almost 1.5 crore house are left for construction, the Ministry of Rural Development said. A study by National Institute of Public Finance and Policy (NIPFP) concluded that the average time to construct a house under PMAY-G has been recorded at 114 days compared to 314 days under the earlier housing scheme.The ministry is taking various initiatives to track the progress of the process and target completion of 1 crore houses under PMAY-G by March 2019.

8 August 2018

PMAY-G target brought down for Bihar

The Pradhan Mantri Awas Yojana-Gramin (PMAY-G) aims to provide affordable housing in rural areas based on the Socio-Economic Caste Census (SECC). According to the data, 4.04 crore houses required to be constructed. The gram sabhas reported 1 crore potential beneficiaries as invalid as they were already benefited by other government schemes. Based on the revised list, the PMAY-G planned to construct 2.62 houses by 2022.

The Union Minister of State for Rural Development, Ram Kripal Yadav, stated in the year 2016 that 16 lakh houses will be constructed under the PMAY-G by March 2019. However, the poor progress displayed by the state government, with respect to construction, has prompted the Centre to bring down the target by 11 lakh houses. The reason for the lack of progress was attributed to the unavailability of sand.

6 August 2018

Government Approves Over 3 Lakh More Houses Under PMAY

The PMAY scheme that was implemented by the government a few years ago has gained momentum and is fair to say that it has become a success. Recently, the government approver over 3 lakh more houses under the scheme. The total housing units under this scheme after this approval would amount to 51 lakh units. This approval will require a budget of over Rs.8,000 crore.

28 June 2018

33% Increase In Carpet Area Of Houses Constructed Under PMAY-U Approved By Government

The Housing and Urban Affairs (HUA) Ministry has informed that the government has approved a 33% increase in carpet area of houses constructed under its affordable housing scheme called Pradhan Mantri Awas Yojana-Urban (PMAY-U). The move has been made to attract more beneficiaries, the Ministry stated. Following the approval from the government, the carpet area of the house has been enhanced to 160 square metres from the existing 120 square metres for Middle Income Group-I (MIG-I). As for Middle Income Group-II (MIG-II), the carpet area has been increased to 200 square metres from 150 square metres. It was informed that the new rules would be effective from the date when the scheme became operational i.e 1 January 2017.

As part of the PMAY-U scheme, each beneficiary who purchases a house can avail subsidy up to Rs.2.35 lakh under the Credit-Linked Subsidy Scheme (CLSS). In the case of MIG-I, 4% interest subsidy can be availed on loan up to Rs.9 lakh by people who have an annual income in the range of Rs.6-12 lakh. For those who have an annual income between Rs.12-18 lakh, interest subsidy of 3% is provided on loan up to Rs 12 lakh. It needs to be mentioned that as of June 11, Rs.736 crore has been disbursed to 35,204 beneficiaries that belong to the MIG category.

19 June 2018

Under PMAY-G, UP Government Builds 7 Lakh Houses

Under Pradhan Mantri Awas Yojana-Gramin (PMAY-G), Uttar Pradesh has constructed over 7,70,000 housing units till March 31. Rural Development Minister Mahendra Singh told that the housing units are been completed in a record span of nine months and it was meant for the rural poor.

PMAY-G was started by Prime Minister Narendra Modi in Agra on November 20, 2016. The construction targets of 2016-17 and 2017-18 were completed in one year 2017-2018. The construction rate of national average is 34% and UP stands at 85%. The minister also said about various schemes such as Anganwadi centres for rural jobs schemes MNREGS, Mukkhyamantri Samagra Gram Vikas Yojana, etc. He also said that UP has secured the first position in the country by completing over 7, 70,000 house units for rural poor in nine months.

Rural housing programme, as an independent programme, started with Indira Awaas Yojana (IAY) in January 1996. Although IAY addressed the housing needs in the rural areas, certain gaps were identified during the concurrent evaluations and the performance Audit by Comptroller and Auditor General (CAG) of India in 2014. These gaps, i.e. non-assessment of housing The shortage, lack of transparency in the selection of beneficiaries, low the quality of the house and lack of technical supervision, lack convergence, loans not availed by beneficiaries and weak the mechanism for monitoring was limiting the impact and outcomes of the programme.

16 April 2018

Payout to Increase two-fold with PMAY-G under DBT

The government has brought the Pradhan Mantri Awas Yojana - Gramin under the purview of Direct Benefit Transfer (DBT) mechanism. The is expected to lead to an increase in DBT payout of roughly Rs.1.59 lakh crore in this fiscal - twice as much of the previous fiscal. It is also expected that food subsidy through the public distribution system and fertiliser subsidy will also be brought under the DBT mechanism, which in turn may take DBT payout to beyond Rs.2 lakh crore in the present fiscal.

The process of paying subsidies under the Pradhan Mantri Awas Yojana - Gramin has already been underway and so far, 55 lakh beneficiaries have received amounts between Rs.90,000 - Rs.1 lakh directly in their bank accounts through DBT. PMAY-G aims at providing all-weather houses to all the homeless and those living in kutcha houses by 2022.

27 March 2018

Beneficiaries in West Sikkim Receive Houses Under PMAY - Gramin

Villagers living in Jhusingthang, Takuthang - Chuchen, and Kamling Gram Panchayat Units under the Mangalbarey Village Administration, were given new houses under the PMAY-G.

A total of 27 houses were constructed under the scheme and the same has been delivered. As per the scheme, eligible beneficiaries who are living in a kutcha house, or those who do not own an all-weather house, will be provided with one.

The other component of the Pradhan Mantri Awas Yojana is PMAY - Urban, which primarily focuses on building affordable houses in cities. The scheme also received a significant boost in the recently passed Union Budget.